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CarePlus Financial today announced the launch of a new financial makeover program that successfully educates consumers in how to kill credit problems and debt and achieve the dream of home ownership. It is the first program ever to fully guarantee loan approval and home ownership upon completion, providing realtors with a new source of 100 percent qualified buyers.

VALENCIA, CA (PRWEB)November 15, 2005

CarePlus Financial today announced the launch of a new financial makeover program that successfully educates consumers in how to kill credit problems and debt and achieve the dream of home ownership. It is the first program ever to fully guarantee loan approval and home ownership upon completion, providing realtors with a new source of 100 percent qualified buyers.

The CarePlus Home Buyers Program™ actively assists consumers in achieving their financial dreams through effective application of sound cash and debt management principles and systems that teach them how to spend their way to wealth.

“For a realtor, this new program from CarePlus is fantastic – we are always looking for buyers that are ready and pre-approved. To have clients handed to us that are both pre-approved and 100% educated about the process is wonderful. If I had known about this program 10 years ago I would have used it myself to get into a new home,” commented Stephanie Garrigus of Casablanca Realty in Fresno, CA, a referral agent for CarePlus.

According to Garrigus, one of the main problems potential homebuyers have is a real lack of financial education and false concepts about credit scores and how to handle credit problems, “credit can be a complicated issue rife with misconception. I have had clients afraid to take the first step as they simply don’t know what to do. CarePlus helps educate them in exactly what to do. To have someone walk them through the process is a huge help. The CarePlus personal financial coaches provide invaluable knowledge and return financial control to the individual.”

Every client’s financial situation is reviewed by a case manager and a comprehensive plan is created with precise steps to help improve the client’s overall financial condition and the achievement of their financial goals. The case is then assigned to a financial coach who works closely with each client to implement the plan that is designed to result in approval for a home purchase loan and eventual home ownership. This program is a comprehensive plan of all steps required to meet the criteria as specified by CarePlus mortgage partners.

The case manager continues to oversee the program and the coach contacts the client at least once a month and more often as needed to ensure the client is implementing the plan and to give them the financial education they need to succeed. This system helps clients stick to a plan much the same way a personal trainer helps people stick to an exercise program.

The CarePlus Home Buyer Program™ addresses the following key points:

a) All necessary steps to qualify for a home purchase loan including:

Credit issues

Down payment or earnest money

Rental history

Employment history

b) All document required by lender to approve loan

c) All aspects of the purchase itself, including but not limited to:

Finding a real estate agent

Finding a home

Finding financing

Working out the buy sell agreement

According to Chris Scully, CarePlus Financial Vice President, CarePlus aligns all aspects of a client’s financial makeover program to address the common barriers to homeownership. The company’s strategic alliances with specific lenders and their innovative programs allow it to include the guarantee of home ownership for those who here-to-fore could only have dreamed of owning a home.

“We know what our lending partners are looking for in the way of qualifications for a home purchase and address those points specifically. At CarePlus we guarantee that if our clients follow the program, they WILL buy a house. The length of time it takes to qualify depends on the client’s credit and financial situation, but if they stick to the program, every client will eventually qualify,” said Scully.

ABOUT CAREPLUS FINANCIAL:

CarePlus Financial is a financial makeover company with the purpose of assisting its clients in gaining full control of their month to month spending and long-term financial future. With its wide variety of debt elimination and debt restructuring services, budget planning and coaching services and its mortgage services, the company is able to help virtually anyone get their financial life back on track.

CarePlus Financial is the culmination of years of experience in the financial planning business and the debt elimination business and was created to compliment and enhance both of these industries. The company essentially evaluates an individual’s current financial situation, creates a short to mid-term program designed to increase disposable income and then turns them over to personal financial coaches to work out and implement long-term financial strategies.

The company’s strategic alliances with specific lenders and their innovative programs allow it to include the guarantee of home ownership for those who here-to-fore could only have dreamed of owning a home.

CarePlus Financial's mission is to reverse the current economic trend in America where the average person has more debt than savings, by getting the majority of Americans operating on sound economic principals and using workable strategies to move from debt to prosperity. CarePlus will accomplish this by actively assisting people to achieve their financial dreams through effective application of sound cash and debt management principles and systems.